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Rates

Car & Truck Loan Rates: New

Rates effective as of:

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Term APR* as low as
Up to 60 months 6.54%
Up to 72 months 6.89%
Up to 84 months 7.69%

Car & Truck Loan Rates: Used

Rates effective as of:

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Model Year Term APR* as low as
Current to 10 years Up to 60 months 6.54%
Current to 10 years Up to 72 months 6.89%
Current to 10 years Up to 84 months 7.69%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Car & Truck Loan payment example: A loan of $30,000 for 84 months at 7.69% APR will have an estimated monthly payment of $463. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Motorcycle & ATV Loan Rates: New

Rates effective as of:

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Term APR* as low as
Up to 36 months 5.75%
37 to 48 months 6.25%
49 to 60 months 6.75%

Motorcycle & ATV Loan Rates: Used

Rates effective as of:

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Model Year Term APR* as low as
Current + 3 years Up to 36 months 5.75%
Current + 3 years 37 to 48 months 6.25%
Current + 3 years 49 to 60 months 6.75%
4 to 8 years Up to 24 months 6.25%
4 to 8 years 25 to 36 months 6.75%
4 to 8 years 37 to 48 months 7.25%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Motorcycle & ATV Loan payment example: A loan of $15,000 for 60 months at 6.75% APR will have an estimated monthly payment of $295. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Boat, Jet Ski, Watercraft Loan Rates: New

Rates effective as of:

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Term APR* as low as
Up to 60 months 5.75%
61 to 72 months 6.75%
73 to 84 months 7.75%

Boat, Jet Ski, Watercraft Loan Rates: Used

Rates effective as of:

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Model Year Term APR* as low as
Current + 3 years Up to 60 months 6.00%
Current + 3 years 61 to 72 months 7.00%
Current + 3 years 73 to 84 months 8.00%
4 to 8 years Up to 60 months 7.00%
4 to 8 years 61 to 72 months 8.00%
4 to 8 years 73 to 84 months 9.00%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Boat, Jet Ski, Watercraft Loan payment example: A loan of $25,000 for 60 months at 5.75% APR will have an estimated monthly payment of $480. Use an AFFCU Financial Calculator to calculate loan payment amounts.

RV & Fifth Wheel Loan Rates: New

Rates effective as of:

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Term APR* as low as
Up to 60 months 5.75%
61 to 84 months 8.75%
85 to 96 months 9.00%
97 to 120 months 9.25%
121 to 144 months 9.75%

RV & Fifth Wheel Loan Rates: Used

Rates effective as of:

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Model Year Term APR* as low as
Current + 4 years Up to 60 months 6.00%
Current + 4 years 61 to 84 months 9.00%
Current + 4 years 85 to 96 months 9.25%
Current + 4 years 97 to 120 months 9.50%
Current + 4 years 121 to 144 months 10.00%
5 to 10 years Up to 60 months 7.00%
5 to 10 years 61 to 84 months 10.00%
5 to 10 years 85 to 96 months 10.25%
5 to 10 years 97 to 120 months 10.50%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

RV & Fifth Wheel Loan payment example: A loan of $100,000 for 144 months at 9.75% APR will have an estimated monthly payment of $1,181. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Signature Loan Rates

Rates effective as of:

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Term APR* as low as
12 Months 8.99%
24 Months 8.99%
36 months 8.99%
48 Months 9.49%
60 Months 9.99%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Signature Loan payment example: A loan of $10,000 for 60 months at 9.99% APR will have an estimated monthly payment of $212. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Line of Credit Rate

Rates effective as of:

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Account APR* as low as
Line of Credit 11.99%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Line of Credit payments are 4% of the outstanding loan balance with a minimum payment of $25.

 

Use an AFFCU Financial Calculator to calculate loan payment amounts.

Certificate Secured Loan Rate

Rates effective as of:

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Term APR*
6 to 60 months 2.5% above the pledged Certificate Account APY

* APR = Annual Percentage Rate. Membership eligibility required. Rates subject to change at any time without notice.

Certificate Secured Loan payment example: $5,000 borrowed at 5.70% (2.5% above the pledged Certificate Account APY of 3.20%) for 60 months will have an estimated monthly payment of $97. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Savings Secured Loan Rate

Rates effective as of:

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Term APR*
6 to 60 months 2.5% above the pledged Savings Account APY

* APR = Annual Percentage Rate. Membership eligibility required. Rates subject to change at any time without notice. 

Savings Secured Loan payment example: $5,000 borrowed at 2.6% (2.5% above the pledged Savings APY of .10%) for 60 months will have an estimated monthly payment of $89. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Home Equity Loan Rates

Rates effective as of:

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Term Rate as low as APR*
120 months 7.25% 7.428%
180 months 7.50% 7.628%

* APR = Annual Percentage Rate. APR reflects the interest rate, as well as mortgage fees and other charges you may have to pay to get the loan.

Financing available for properties in Texas. All loans subject to credit approval, verification and collateral evaluation. Home Equity minimum loan amount is $25,000. We will set your APR based on your individual circumstances including your credit history, loan amount, loan terms, and our internal credit criteria. The maximum loan plus other liens cannot exceed 80% of your home’s fair market value. Offer does not include manufactured homes. AFFCU must have a valid first or second real estate lien under Article XVI, section 50 (a)(b) of the Texas Constitution. Property insurance will be required including flood insurance where applicable. All home equity loans must be secured by a 1-4 family, owner-occupied primary residence. Conditions and restrictions may apply. Larger loans and other programs available.

Standard closing costs of $600-$650 can include a title search, credit report, flood certification, valuation and documentation fees. Lending area and other restrictions may apply.

Membership eligibility required. Rates and terms are subject to change at any time without notice.

Home Equity Loan payment example: A loan of $25,000 for 120 months at 7.428% APR will have an estimated monthly payment of $298. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Visa Platinum Credit Card Rate

Rates effective as of:

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Visa Platinum Card APR* as low as
Visa Platinum Card 15.75%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Your APR will vary with the market based on the Prime Rate.

 

Minimum monthly payment due will be the greater of: a) 2.5% of outstanding balance, or b) $10.

Rewards Checking Account Rate

Rates effective as of:

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Account Dividend Rates APY*
Rewards Checking 0.01% 0.01%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Monthly fee $4. Maintaining a minimum balance in the account of $500 during the calendar month will result in the monthly fee being waived. $25 initial opening deposit required.

Certificate Account Rates

Rates effective as of:

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Term Dividend Rates APY*
6-Month 3.442% 3.50%
6-Month Jumbo 3.687% 3.75%
12-Month 4.165% 4.25%
12-Month Jumbo 4.410% 4.50%
18-Month 4.695% 4.80%
18-Month Jumbo 4.889% 5.00%
24-Month 4.550% 4.65%
24-Month Jumbo 4.745% 4.85%
36-Month 3.925% 4.00%
36-Month Jumbo 4.169% 4.25%
48-Month 2.714% 2.75%
48-Month Jumbo 2.960% 3.00%
60-Month 3.442% 3.50%
60-Month Jumbo 3.685% 3.75%
7 Year 3.247% 3.30%
7 Year Jumbo 3.247% 3.30%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Minimum $1,000 opening deposit required for non-jumbo certificates. Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.

 

Minimum $100,000 opening deposit required for jumbo certificates. Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.

Primary Savings Rate

Rates effective as of:

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Minimum Balance Account Dividend Rates APY*
$5.00 Primary Savings Account 0.05% 0.05%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

 

Limited to six (6) transfers or withdrawals per month.

Secondary Savings Rate

Rates effective as of:

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Minimum Balance Account Dividend Rates APY*
$0.00 Secondary Savings Account 0.10% 0.10%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

 

No minimum opening balance required. Limited to six (6) transfers or withdrawals per month.

High Yield Savings Account Rates

Rates effective as of:

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Minimum Balance Dividend Rates APY*
Up to $25,000.00 3.00% 3.00%
$25,000.01 and up 1.00% 1.00%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Minimum $1,000 opening deposit required. Minimum $1,000 daily balance required to avoid $10 monthly service fee. Limited to six (6) transfers or withdrawals per month.

Money Market Account Rates

Rates effective as of:

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Minimum Balance Dividend Rates APY*
Up to $2,500.00 0.850% 0.85%
$2,500.01 - $25,000.00 0.950% 0.95%
$25,000.01 - $50,000.00 1.250% 1.25%
$50,000.01 - $100,000.00 1.400% 1.40%
$100,000.01 and up 1.500% 1.50%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Minimum $1,000 opening deposit required. Minimum $1,000 daily balance required to avoid $10 monthly service fee. Limited to six (6) transfers or withdrawals per month.

Christmas Club Account Rate

Rates effective as of:

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Account Dividend Rates APY*
Christmas Club 0.10% 0.10%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

No minimum opening balance required. Early withdrawal fee is $10. Early closure fee is $10.

Youth Savings Rate

Rates effective as of:

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Account Dividend Rates APY*
Youth Savings Account 0.10% 0.10%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

 

Student Savings Rate

Rates effective as of:

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Account Dividend Rates APY*
Student Savings Account 0.10% 0.10%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

 

Student Checking Rate

Rates effective as of:

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Account Dividend Rates APY*
Student Checking Account 0.05% 0.05%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Traditional IRA Account Rates

Rates effective as of:

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Minimum Balance Dividend Rates APY*
Up to $2,499.99 0.30% 0.30%
$2,500.00 - $9,999.99 0.30% 0.30%
$10,000.00 - $24,999.99 0.30% 0.30%
$25,000.00 - $49,999.99 0.45% 0.45%
$50,000.00 - $89,999.99 0.45% 0.45%
$90,000.00 - $99,999.99 0.55% 0.55%
$100,000 and up 0.55% 0.55%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Minimum $5.00 opening balance required. Rates subject to change at any time without notice.

Roth IRA Rates

Rates effective as of:

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Minimum Balance Dividend Rates APY*
Up to $2,499.99 0.30% 0.30%
$2,500.00 - $9,999.99 0.30% 0.30%
$10,000.00 - $24,999.99 0.30% 0.30%
$25,000.00 - $49,999.99 0.45% 0.45%
$50,000.00 - $89,999.99 0.45% 0.45%
$90,000.00 - $99,999.99 0.55% 0.55%
$100,000 and up 0.55% 0.55%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

IRA Certificate Account Rates

Rates effective as of:

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Term Dividend Rates APY*
1 Year 4.165% 4.25%
18 Months 4.695% 4.80%
2 Years 4.550% 4.65%
3 Years 3.925% 4.00%
5 Years 3.442% 3.50%
7 Years 3.247% 3.30%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Minimum $1,000 opening deposit required. APY is based on the assumption that dividends will remain on deposit in the IRA Certificate Account until maturity. Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. You should seek the advice of your own tax advisor with respect to your particular circumstances.